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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
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1st Credit - Old Debt


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I am confused because I thought that to be statute barred it had to be over six years since a payment was made on the account and although the card was taken out in 2001, it has certainly not been as long as that since anything was paid on this alleged debt. I have to wait for the details from my SAR letter to HBOS and hopefully things will be a lot clearer then.

 

What do you think 1st Credit's next move might be?

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Correct SB is 6 years it matters not

if the debt has fallen off CRA files after

6 years as all drop paid or not so it is an

indication of the age of the debt but not

always that it is SB

Probably a letter saying it has been passed

to Connaught Collections. and then to LCS

their pretend solicitors.:madgrin:

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Thank you Brigadier. So do you think that this is S/B or not? DX seems to think so - that is why I am getting so confused here.

 

Once they write do you think I should make some kind of an offer or just ignore. The last thing in the world I need after trying so desperately to clean up my credit file is a CCJ.

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Hi Janis, it is confusing I know.

A lot of people believe that because

a debt has dropped off their credit

file the debt will be SB it is an indicator

that this may be the case but that is all

that bit is, it is important to be very sure

that the debt is SB before making any

statement on it, because it will restart the

clock even if it's only a week or less to

the date a bebt actually becomes SB.

So you need to know the date of the

last payment or acknowledgment

in writing before taking any action.

You may need to contact the OC

to find out when the last payment

was, and also when and if you made

any payment to a DCA.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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  • 2 weeks later...

Hello again,

 

SAR letter has come this morning and I can see there that there are many charges for payment protection insurance and also some late charges. How can I proceed in claiming some of these back. Now have scanned the CCA also and am in the process of working out how to upload this.

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scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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as for the SAR stuff and using it:

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan & Credit Card Charges Read Here

 

nicked from ims's sig!

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you're not really bothered about the CCA

 

you need to do your SOC [spreadsheet of charges]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I am bothered about the CAA DX. Now am wondering what the next move for 1st Credit will be and if court proceedings will commence soon?

 

Yes, will get onto sorting out costs etc. from the SAR over the weekend - hopefully it will be a decent return as I feel it is most likely that these can be used to pay back some of the alleged debt to 1st Credit - really cannot see that will not be the case TBH. :-x

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post 100 applies.

 

get reclaiming.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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There won't be any court, if that is all these fools have to show they will get laughed out of it! Who do they think they are trying to kid??

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I do hope most sincerely you are right Boo, I have been worrying myself silly over this for ages now.

 

What else should they have had with the CAA? I have only put up the agreement here - there were a couple of other pages where they ran security checks on my at work, details of calls verifying my address etc. but interestingly no details of terms and agreements signed for when I took out this credit card way back in 2001.

 

What do you think that their next move now will be? I will be adding up all the details of money I can claim back this afternoon. Late payments and charges can also be claimed for as well as PPI? Thank you as ever.

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to take you to court they'd need an noa

you cant get one on an sb'ed debt!

an sb'ed debt does not show on your cra

the judge would laugh them out the door

 

get reclaiming to the oc and win win win.

 

you've been had, endoff, get your own back!

 

get angry not worried!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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NOTICE OF ASSIGNMENT of the

debt from the creditor to the DCA.

Brig.

Yes I think Boo and DX are right.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thank you for that Brig. The thing is that I know that it has been only five years since my last payment to the previous debt recovery company so what are the circumstances in which this debt would be statute barred? How would they go about geting a NOA on a debt if it is not actually statute barred? As I say, this debt is definately not showing in any form on my credit file - something I checked only this afternoon.

 

Should I now write to 1st Credit and say that the debt is statute barred?

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Quite often the new DCA is not

informed of payments made to

a debt that has been sold again

so Boo and DX think as I do that

1ST Credit are trying it on.

Exactly when was any payment

made to the other company?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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